Hard Enquiry: Avoiding the 5/24 Rule
Credit bureaus will ding your score when there are 5+ credit applications within 24 months. It's called the 5/24 Rule. We'll explain the difference between a soft and hard enquiry, and how to avoid a 5/24 penalty.
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Boost Credit Score: Get 20-50 Points Instantly
Sign-up for free credit tracking on non-loan payments like rent and cell phone bills. You could boost your credit score up to 50 points within days.
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Credit Score Simulator: Credit Bureau Secret Formula
Learn the simple credit bureau formula that's used to calculate your score. We'll arm you with action steps to improve your score right away. Life gets easier when you have all the puzzle pieces.
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Payment History on Credit Report: #1 Impact on Score
Payment history is 35% of your credit bureau score. That makes it the single most important factor when it comes to your good credit.
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Save Money Challenge: Find the Holes, Plug the Leaks
Your hard-earned cash could be dripping from small holes in your wallet. Join the rescue your money challenge. We’ll help you find the leaks and plug the holes.
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Best Free Credit Report
The first step towards good credit is a free credit report. We recommend 3 top credit monitoring services. And tell you which ones to avoid.
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